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this post was submitted on 20 Dec 2024
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No Stupid Questions
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No such thing. Ask away!
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This is awesome! Would love to see a version for EU too!
For the most part you can follow it. Pay down debts, save what you can, make a budget but it gets wonky when you hit 401K, IRA and healthcare
Problem is each country in the EU is different. What works for Germany may not work for the Netherlands or Denmark.
As an Aussie I substituted it's and 401K with our pension equivalent called Superannuation. The healthcare is different in AU. Here in Europe it isn't too different to AU, replace 401K and IRA are private pension or one offered through an employer.
I looked around a bit, and while I couldn't find a drawn flowchart for the EU, r/EUpersonalfinance has a page on their wiki inspired by(links to it too) the US flowchart and accompanying text. I hate to plug reddit as well, but here is the link.
spoiler
https://www.reddit.com/r/eupersonalfinance/wiki/basics/?utm_medium=android_app&utm_source=share#wiki_general_graphical_version(I'm not near a desktop, so can't really copy and paste the info here with functional hyperlinks.)